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I got mine in the mail, last week. Going from 7.99 to 12.24, effective Dec 1st. I had a $800 balance, card limit is &14,150 . I PIF, immediately. I will never use Chase again.Cap 1 RJ me 8.99 FIXED to 17.99, haven't use' it since Feb. That's how am rewarded for never missing a paymemt or being late? I have excellent FICO, not putting up with BS.
TU 785, EQ 791 (800's, here I come)
You do not generate enough profit, so u'r far away of being best customer.
If you PIF, your APR is 0%, regardless what bank thinks your APR is.
@wmarat wrote:You do not generate enough profit, so u'r far away of being best customer.
If you PIF, your APR is 0%, regardless what bank thinks your APR is.
That's a great way of looking at it, wmarat! And you made me feel better, too...just got still another RJ from Chase today, from a 10.24 (which itself had been a jack) to 22.24%. Reason? "To maintain profitability on your account". They had previously sliced $20K off the CL on that account, too.
I guess they've got a point, I do PIF that card, and only paid about $1 or so in interest one time after a promotional balance transfer expired.
I really like how you phrased that...and I'll try to remember it...even though I still feel like I've been dissed by Chase.
Sometimes I'm glad my card is already at 31.99% (0 balance, always PIF). One thing I don't have to worry about is an RJ!
I have nowhere to go but down...
@creditwherecreditisdue wrote:Sometimes I'm glad my card is already at 31.99% (0 balance, always PIF). One thing I don't have to worry about is an RJ!
I have nowhere to go but down...
CWCID, you given me a great idea!
I believe I'll call tomorrow and ask them for an APR increase (to about 50% or so). And if they refuse, I'll beg and plead with them, maybe even threaten to close this account. (I don't really care if they do close it).
Just for grins and giggles. It'd probably throw the CSR for a loop. And I wonder...do you think they'd oblige me?
@Uborrow-Upay wrote:
@creditwherecreditisdue wrote:Sometimes I'm glad my card is already at 31.99% (0 balance, always PIF). One thing I don't have to worry about is an RJ!
I have nowhere to go but down...
CWCID, you given me a great idea!
I believe I'll call tomorrow and ask them for an APR increase (to about 50% or so). And if they refuse, I'll beg and plead with them, maybe even threaten to close this account. (I don't really care if they do close it).
Just for grins and giggles. It'd probably throw the CSR for a loop. And I wonder...do you think they'd oblige me?
Probably not unless it fits into Chase's "bigger picture", whatever that is...